Ineficacia del REDAM y registro del deudor alimentario en la central de riesgos de la SBS
Loading...
Date
2022
Authors
Journal Title
Journal ISSN
Volume Title
Publisher
Universidad Femenina del Sagrado Corazón
Abstract
La presente investigación tiene como propósito la exposición pública de los
deudores alimentarios morosos en la Central de Riesgos de la Superintendencia
de Banca y Seguros (SBS) por ineficacia del REDAM. Elevado número de
deudores alimentarios morosos (DAM) con sentencias de alimentos consentidas
o ejecutoriadas que disponen pagos en cuentas de ahorro del Banco de la
Nación, no son inscritas en el REDAM, lo que torna ineficaz su persecución de
pago en el Sistema Financiero. Esta tesis describe y analiza esta problemática
sobre una muestra de 57 sentencias que amparan el derecho de alimentos y
presentan requerimientos de pago del año 2014 hasta el año 2020; y también de
los 07 DAM inscritos en el REDAM por sentencias de los Juzgados de Paz
Letrado de Lima sede Puno Carabaya. Como resultado, cerca de las tres cuartes
partes de procesos judiciales de alimentos ordenan al Banco de la Nación la
apertura de cuentas de ahorro a nombre de la demandante para el pago
exclusivo de la pensión de alimentos sin disponer el reporte bancario por su
incumplimiento. El desuso de la mora y del REDAM generan ineficacia para
inscribir a los DAM en la Central de Riesgos de la SBS, causando un trato
diferenciado de la deuda alimentaria en el Sistema Nacional de Justicia y el
Sistema Financiero.
The purpose of this investigation is the public exposure of defaulter food debtors in the Risk Center of the Superintendency of Banking and Insurance (SBS) due to ineffectiveness of REDAM. A high number of defaulter food debtors (DAM) with consented or executed alimony sentences that arrange payments in savings accounts of the Banco de la Nación are not registered in the REDAM, which makes ineffective the pursuit of their payment in the Financial System. This thesis describes and analyzes this problem on a sample of 57 judgments that protect the right to maintenance and present payment requirements from 2014 to 2020; and also of the 07 DAMs registered in REDAM by judgments of the Licensed Courts of Peace of Lima, Puno Carabaya headquarters. As a result, in all food court proceedings, the Banco de la Nación is ordered to open savings accounts in the name of the plaintiff for the payment of alimony without providing the bank report for non-compliance. The disuse of arrears and REDAM generates inefficiency in registering DAMs in the SBS Risk Center, which causes a differentiated treatment of food debt in the national justice and the financial systems.
The purpose of this investigation is the public exposure of defaulter food debtors in the Risk Center of the Superintendency of Banking and Insurance (SBS) due to ineffectiveness of REDAM. A high number of defaulter food debtors (DAM) with consented or executed alimony sentences that arrange payments in savings accounts of the Banco de la Nación are not registered in the REDAM, which makes ineffective the pursuit of their payment in the Financial System. This thesis describes and analyzes this problem on a sample of 57 judgments that protect the right to maintenance and present payment requirements from 2014 to 2020; and also of the 07 DAMs registered in REDAM by judgments of the Licensed Courts of Peace of Lima, Puno Carabaya headquarters. As a result, in all food court proceedings, the Banco de la Nación is ordered to open savings accounts in the name of the plaintiff for the payment of alimony without providing the bank report for non-compliance. The disuse of arrears and REDAM generates inefficiency in registering DAMs in the SBS Risk Center, which causes a differentiated treatment of food debt in the national justice and the financial systems.
Description
Keywords
Derecho--Tesis, Deudores y acreedores, Pensión alimentaria, Riesgo de crédito, Debtor and creditor, Alimony
